Mold forming after flooding is hazardous to your home and health. It compromises sturdy housing, smells musty, and worsens breathing problems. Pittsburgh, PA residents count on their flood insurance policies to cover issues like mold during and after a flood event. Unfortunately, the reality is far grimmer.
Does Private Flood Insurance Cover Mold Damage?
It depends on the circumstances of the mold growth. Generally, flood insurance will cover mold damage if the cause was unavoidable. To ensure this, the carrier wants evidence that you tried to prevent the mold from growing. Some expectations are cleaning the affected areas and drying them completely. If you failed to clean up and dry the mold properly, flood insurance won’t pay. The carrier’s reason will be that the mold growth was preventable.
A representative from Daniel Carinci Agency LLC will review the mold areas, collect documentation, and ask questions. The representative will bring the proof back to our office for review. The conclusive findings will determine coverage eligibility.
Will FEMA Cover Mold Damage?
The National Flood Insurance Program does not cover mold damage regardless of the cause.
Are There Insurance Policies That Cover Mold Damage?
There are insurance and add-on options related to mold in Pittsburgh, PA. Specific coverage information depends on the carrier you have. While both have their benefits and limitations, the policy must be active before the first sign of mold develops. It does not cover mold existing before coverage. Home insurance could be an alternative that covers hidden mold from accidental or sudden water damage, but it doesn’t cover flooding events.
The agents at Daniel Carinci Agency LLC understand the problems mold can create for homes and rental properties. We encourage new and existing customers to speak to an agent about mold coverage. We can find flood policies that cover mold damage or review your existing policy to see if you can bundle mold damage with it. Contact our office for more information.
